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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,299 | $56,121+5.7% | $92,985-36.2% | $64,340-7.8% |
| Participation rate | 79.1% | 44.9%+34.2pp | 69.5%+9.6pp | 55.2%+23.8pp |
| Annual return | 14.52% | 19.19%-4.7pp | 27.99%-13.5pp | 24.14%-9.6pp |
| Employer contribution / active EE | $645 | $1,351-52.3% | $2,662-75.8% | $1,862-65.4% |
| Participant deferral / active EE | $4,026 | $2,362+70.5% | $4,377-8.0% | $2,980+35.1% |
| Admin fee / account holder | $4,628 | $6,869-32.6% | $9,463-51.1% | $3,703+25.0% |